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100/20 payment plan

You pay 100% in instalments while the project is under construction and the remaining 20% on handover. Developers set the instalment dates and the booking amount per project — the project page carries the schedule we hold.

100%
20%

Why buyers choose it

  • Payments track construction, so cash leaves in stages rather than up front.
  • A larger handover share keeps more of your capital working elsewhere until completion.
  • Developer plans usually carry no interest, unlike a mortgage drawn from day one.

What to check

  • The handover payment is one large sum — decide how you will fund it, mortgage or cash, before you book.
  • A construction delay moves the handover date, not your instalment dates during construction.
  • Booking amounts, instalment dates and late-payment terms differ per project — read the sales agreement.

At handover the remaining balance is due before keys and title transfer. A mortgage on an off-plan unit is normally arranged in the final months before completion, and UAE banks generally finance up to 50% of the price for expatriate buyers.

Worked example

  1. 100%During constructionAED 1,250,000
  2. 20%On handoverAED 250,000

Amounts are in AED and exclude the 4% Dubai Land Department fee, Oqood registration, agency fees and service charges unless the developer's offer says otherwise.

49 projects currently offer this plan

Binghatti Royale
On Sale
Binghatti

Binghatti Royale

Binghatti

Legado by Prescott, JVC District 14, Jumeirah Village Circle (JVC), Dubai, UAE

From

AED 1,699,999

Handover

Q4 2025

Payment Plan

100/20

Down Payment

20%

View
Binghatti Vintage
On Sale
Binghatti

Binghatti Vintage

Binghatti

Majan, Dubai, UAE

From

AED 1,112,999

Handover

Q2 2027

Payment Plan

100/20

Down Payment

20%

View
BREEZ by Danube
On Sale

BREEZ by Danube

Danube

Anwa by Omniyat, Dubai Maritime City, Dubai, UAE

From

AED 1,850,000

Handover

Q2 2029

Payment Plan

100/20

Down Payment

20%

View
Coralis
Palladium Development

Coralis

Palladium Development

Meydan, Dubai, UAE

From

AED 1,950,000

Handover

Q3 2028

Payment Plan

100/20

Down Payment

20%

View
Cove
On Sale
Imtiaz

Cove

Imtiaz

From

AED 695,000

Handover

Q1 2027

Payment Plan

100/20

Down Payment

20%

View
Creek Vistas Heights

Creek Vistas Heights

SOBHA

Sobha Hartland, Dubai, UAE

From

AED 1,870,000

Handover

Q3 2026

Payment Plan

100/20

Down Payment

20%

View
Creek Vistas Reserve

Creek Vistas Reserve

SOBHA

Sobha Hartland, Dubai, UAE

From

AED 1,330,000

Handover

Q3 2023

Payment Plan

100/20

Down Payment

20%

View
Dusk by Binghatti
On Sale
Binghatti

Dusk by Binghatti

Binghatti

Dusk by Binghatti, JVC District 16, Jumeirah Village Circle (JVC), Dubai, UAE

From

AED 1,039,999

Handover

Q4 2024

Payment Plan

100/20

Down Payment

20%

View
Green Vistas

Green Vistas

SOBHA

From

Price on request

Handover

Q4 2028

Payment Plan

100/20

Down Payment

20%

View
Mirari Lagoon by Zoya
Zoya Developments

Mirari Lagoon by Zoya

Zoya Developments

Dubai Industrial City, Dubai, UAE

From

AED 593,000

Handover

Q4 2028

Payment Plan

100/20

Down Payment

20%

View
Orvessa Residences
On Sale
BNW Developments

Orvessa Residences

BNW Developments

Al Furjan, Dubai, UAE

From

AED 1,781,037

Handover

Q3 2028

Payment Plan

100/20

Down Payment

20%

View
Ramada Residences
BNW Developments

Ramada Residences

BNW Developments

From

AED 2,831,552

Handover

Q3 2026

Payment Plan

100/20

Down Payment

20%

View

Payment plan questions

Is the payment plan the same for every unit in a project?
Usually, but developers can vary booking amounts and instalment dates by launch phase or unit type. The project page shows the plan we hold; confirm the schedule in the sales and purchase agreement.
Can I get a mortgage on an off-plan payment plan?
Yes — typically for the handover payment. UAE banks generally finance up to 50% of an off-plan purchase price for expatriates, with the construction-stage instalments paid from your own funds.
What happens if I miss an instalment?
The sales agreement sets the grace period and any penalty, and Dubai Land Department rules allow a developer to terminate after prolonged default. Read the agreement and keep a buffer ahead of each date.
Does the plan include DLD fees and service charges?
No. The 4% DLD registration fee, Oqood registration, agency fees and annual service charges are separate unless the developer's promotion says otherwise.